# Sail Loans vs Time Financing Service

The clearest difference is update cadence: Sail Loans at every 3 months against Time Financing Service's every 15 months. Sail Loans also leads on iOS requirement (13.4 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Sail Loans ships an update every 3 months, Time Financing Service every 15 months. Both last shipped on October 25, 2026.

## The numbers

| Metric | Sail Loans | Time Financing Service |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (5 ratings)](https://appshunter.io/ios/app/sail-loans/id1578869732/reviews)** | — |
| Number of ratings | **5** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 15 months |
| Monetization | Free | — |
| Size | 24 MB | 4 MB |
| Requires iOS | **13.4** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Americash Loans LLC](https://appshunter.io/developer/1529566329) | [Time Investment Corporation](https://appshunter.io/developer/1625746002) |

## What reviewers say

### Sail Loans

[App page](https://appshunter.io/ios/app/sail-loans/id1578869732)

Apply for loans up to $4,000 with funds deposited directly into your bank account. Manage your repayment options, make payments, and access referral codes to earn extra cash. Offers installment, full, or early/partial payment options.

**Highlights:** Loan application up to $4,000, Same-day fund deposit, Customer profile editing, Loan repayment management, Refer-A-Friend program, Installment and full payment options

**Features:** macOS Compatibility

**In-app purchases:** none


### Time Financing Service

[App page](https://appshunter.io/ios/app/time-financing-service/id1625746000)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Sail Loans free?

Sail Loans is free to download, with no in-app purchases.

### Is Time Financing Service free?

Time Financing Service is free to download, with no in-app purchases.

### Do Sail Loans or Time Financing Service have ads?

Neither Sail Loans nor Time Financing Service shows ads.

### Which is updated more often, Sail Loans or Time Financing Service?

Sail Loans ships an update every 3 months, and Time Financing Service every 15 months. Most recently, Sail Loans was updated on October 25, 2026 and Time Financing Service on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*